Have a Tax Question? Ask a Tax Expert
The following applies regarding your situation:
Spousal benefits allow a husband or wife to receive up to 50 percent of a spouse’s Social Security benefits. These benefits are available even if one spouse has never worked.
For married couples, the following criteria must be met:
If your wife meets the above requirements, then she can claim spousal benefits.
Let me know if I can be of further assistance to you regarding this matter.
Yes, your wife can work while receiving benefits, however, her working will affect the benefit amount. SEE BELOW:
Spousal benefits can be affected by excess earnings in two ways. First, if a spouse works and is under full retirement age, excess earnings will affect spousal benefits in the same fashion as described above (a $1 reduction in spousal benefits for every $2 or $3 in excess earnings, depending on the spouse's age). Excess earnings by a spouse affect spousal benefits only. There is no feedback effect on the primary retiree's benefits
As for suspending benefits, the answer is yes. SEE BELOW:
If you are already entitled to benefits, you may voluntarily suspend current or future retirement benefit payments up to age 70 beginning the month after the month when you made the request.